Skip to main content

Central Bancompany, Inc. (CBC) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $27.59, but acceptable to hold if already in. Reasons: Single-region cliff: 88% exposure to Primary Markets (Missouri and neighboring states) (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Primary Markets (Missouri and neighboring states) (87.8%).

Central Bancompany is a bank holding company headquartered in Jefferson City, MO with $20.75B in total assets and $16.0B in wealth assets under advice as of December 31, 2025. Operates 155 branches through The Central Trust Bank across 11 primary markets in Missouri, Kansas,... Read more

$27.59-0.8% A.UpsideScore 5.3/10#119 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield1.75%Payout800.56%at-risk
Stop $26.37Target $27.36(resistance)A.R:R -0.8:1
Analyst target$29.50+6.9%5 analysts
$27.36our TP
$27.59price
$29.50mean
$31

Hold if already holding. Not a fresh buy at $27.59, but acceptable to hold if already in. Reasons: Single-region cliff: 88% exposure to Primary Markets (Missouri and neighboring states) (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Primary Markets (Missouri and neighboring states) (87.8%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.3/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 68d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: moderate.

Recent Developments — Central Bancompany, Inc.

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Risks
Single-region cliff: 88% exposure to Primary Markets (Missouri and neighboring states) (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.
Concentration risk — Geographic: Primary Markets (Missouri and neighboring states) (87.8%)
Concentration risk — Loan Portfolio: real estate loans (79.0%)

Key Metrics

P/E (TTM)686.3
P/E (Fwd)13.5
Mkt Cap$6.6B
EV/EBITDA
Profit Mgn39.2%
ROE11.6%
Rev Growth10.4%
Beta0.07
Dividend1.75%
Rating analysts9

Quality Signals

Piotroski F6/9

Options Flow

IV62%elevated

Concentration Risks(10-K Item 1A)

  • HIGHGeographicPrimary Markets (Missouri and neighboring states)88%
    10-K Item 1A: 'as of December 31, 2025, 87.8% of our loans were to borrowers who resided or organized in Missouri and our other Primary Markets'
  • HIGHloan_portfolioreal estate loans79%
    10-K Item 1A: 'our real estate loans represented approximately $9.0 billion, or 79.0% of our total loans held for investment portfolio'
  • HIGHloan_portfoliocommercial real estate and construction and development loans46%
    10-K Item 1A: 'our commercial real estate and construction and development loans were $5.3 billion, representing the largest segment of our total loans held for investment portfolio, at approximately 46.4% of our total loans held for investment portfolio'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.8=NEGATIVEFINSVC REGIONAL CLIFF HARD BLOCKMomentum 6.1>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 68d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
71 · Overbought
20D MA 50D MA 200D MASupport $25.12Resistance $27.92

Price Targets

$26
$27
A.Upside-0.8%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-7.0% upside)
! Negative risk/reward — downside exceeds upside
! FINSVC_REGIONAL_CLIFF:HARD_BLOCK

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-27 (68d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CBC stock a buy right now?

Hold if already holding. Not a fresh buy at $27.59, but acceptable to hold if already in. Reasons: Single-region cliff: 88% exposure to Primary Markets (Missouri and neighboring states) (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Primary Markets (Missouri and neighboring states) (87.8%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $27.36 (-0.8%), stop $26.37 (−4.6%), A.R:R -0.8:1. Score 5.3/10, moderate confidence.

What is the CBC stock price target?

Take-profit target: $27.36 (-0.8% upside). Target $27.36 (-0.8%), stop $26.37 (−4.6%), A.R:R -0.8:1. Stop-loss: $26.37.

What are the risks of investing in CBC?

Single-region cliff: 88% exposure to Primary Markets (Missouri and neighboring states) (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Primary Markets (Missouri and neighboring states) (87.8%); Concentration risk — Loan Portfolio: real estate loans (79.0%).

Is CBC overvalued or undervalued?

Central Bancompany, Inc. trades at a P/E of 686.3 (forward 13.5). TrendMatrix value score: 5.8/10. Verdict: Hold.

What do analysts say about CBC?

9 analysts cover CBC with a consensus score of 4.1/5. Average price target: $30.

What does Central Bancompany, Inc. do?Central Bancompany is a bank holding company headquartered in Jefferson City, MO with $20.75B in total assets and...

Central Bancompany is a bank holding company headquartered in Jefferson City, MO with $20.75B in total assets and $16.0B in wealth assets under advice as of December 31, 2025. Operates 155 branches through The Central Trust Bank across 11 primary markets in Missouri, Kansas, Oklahoma, and Colorado, serving approximately 257,000 consumer households and 69,000 commercial entities.

Related stocks: IFS (Intercorp Financial Services In) · CUBI (Customers Bancorp, Inc) · GABC (German American Bancorp, Inc.) · COLB (Columbia Banking System, Inc.) · SSB (SouthState Bank Corporation)